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    • The plot thickens ... China may be producing the counterfeit stamps. Seems there's a lot of them about Royal Mail urged to investigate claims of Chinese-made fake stamps | Postal service | The Guardian WWW.THEGUARDIAN.COM Minister says he will work with business to investigate, while China dismisses suggestion of state role as ‘absurd’   Although that wouldn't have explained what happened to citizenB's friend who apparently received the stamp from the Royal Mail.  The fake stamps are (allegedly) only distributed through non-Post Office shops and the ones from the Post Office are legit and made under strict controls in the UK. Post Offices aren't permitted to go out and buy their stamps from other sources. (For clarity it was Royal Mail who provided the stamps to citizenB's friend, not the Post Office, which is a separate company. But I assume Royal Mail got its stamps for the 'swaps' from the legit UK manufacturer and didn't buy them on Amazon!). Still, I will make sure I buy stamps from a Post Office in future, not from my corner shop. Did you friend ever get anywhere with his complaints @citizenB ?  
    • Just the phone call and fear of the kids being involved and it upsetting them.  Sadly I have remembered I went over my miles as this latest car took ages to get here (we get them brand new) so I kept my pld one a yr longer so it was mileage over my what I had been allocated that they were deducting. I need to Get exactly what the payments were for I haven't answered the bailiffs through paper means it was purely done through returning a phone call and a quick google.  I have no recollection of a pcn on the car, if there had of been It would of been a reminder to pay it but this was the last week of my mums life. Things were stressful so as iv said, I don't remember getting one. I appreciate everything you lot do and have a fantastic union guy so will get him on board 🏴‍☠️
    • Can I ask why is it when I go to set up payment that the bank refuses to credit that person unless the name matches the account but in this case they didn’t take that into account? How is it that the traders bank will not disclose the name even to my bank when there is a court order against him? And finally, I can’t locate a form that is for requesting a variation. Besides I thought the name change would mean it couldn’t be served? In company’s house there’s never been one where the car dealership name matched the address.
    • Thanks for the link. Unfortunately I bought crossed PO's. The last time I bought a PO you had to draw two lines and write & co. Also I signed the letters, a throwback to years in an office many years ago.
    • which is why our CCA request link says so. read all the posts! csl credit security limited are part of the arrows group as are  Ar**ho** Kleaners all the same blokes... just different skirts on  if you'd been reading up you'd already know arrows always return the £1 po. dx    
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Just spoke to a banker


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Just had our business bank manager (barclays) here for a meeting, coming up to year end they do a review every 12 months.

 

I dont mind the guy to be honest, he's good humoured and we do get away with quite a bit on the account. Meeting mainly consisted of this is going up, thats going up blah blah blah.

 

Anyway towards the end I got on about charges, I said right our turn now, I want all these charges refunding. He said "bloody hell not you an all"

 

He agreed to refund them no problem, I asked him what he made of the recent publicity.

 

He said, well we've been told from above that the charges are perfectly legal, I said well why will they (the banks) not go to court with it.

 

He said, well it would cost us thousands in solicitors and pissing about so they've just decided that we cant be arsed fighting them. I said oh really, he just smiled and said draw your own conclusions.

 

He also said, to be honest we'd rather not have the income from charges and people run the accounts properly, I said it must come in handy though that 4 billion. He just laughed again and said see you next year.

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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He sounds like a good guy - would he be prepared to stand up in court with those views, and present some of the corroborating facts and evidence?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would love to know where these Billions go to??

 

Its a question that has puzzled me for the last wee while, its certainly not on wages for staff as I saw an advert in the local paper for the Halifax and the salary bracket was between £10,000 - £13,000

17th May 2006 - Letter from the Hellifex offering full refund of charges to date - £330.57 :D :D :D

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He sounds like a good guy - would he be prepared to stand up in court with those views, and present some of the corroborating facts and evidence?

 

Spiceskull - Would you??!! The guy might not agree with what the banks are doing but he probably still needs a job.......

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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Of course he does - but he sounds like a decent person, and some people (even bank staff) have a higher moral stand...someone, somewhere WILL be prepared to do this...we just have to look hard enough to find that person...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would love to know where these Billions go to??

 

Its a question that has puzzled me for the last wee while, its certainly not on wages for staff as I saw an advert in the local paper for the Halifax and the salary bracket was between £10,000 - £13,000

 

Bonuses and shareholders.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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He said, well we've been told from above that the charges are perfectly legal, I said well why will they (the banks) not go to court with it.

 

He said, well it would cost us thousands in solicitors and pissing about so they've just decided that we cant be arsed fighting them.

 

 

This is very true for smaller amounts. The big danger for the banks of course is that if they lost, it might set a precident. However, for amounts of, say, under £1000 it would cost thenm a fortune in legal fees and it is cheaper to simply settle up. Good business, if you like, as they would be unlikely to recover more than a couple of hundred quid's worth of costs in the small claims court.

 

Add to that the loss of business from the consequetial bad publicity....

 

 

I know from experience that small debts of say £500 or less rarely end up with a CCJ, because it simply costs the creditors more than it is worth to pursue it. I think the same applies in the case of banks refunding us, seemingly (from what I have read on this site), without putting up too much of a fight.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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This is very true for smaller amounts. The big danger for the banks of course is that if they lost, it might set a precident. However, for amounts of, say, under £1000 it would cost thenm a fortune in legal fees and it is cheaper to simply settle up. Good business, if you like, as they would be unlikely to recover more than a couple of hundred quid's worth of costs in the small claims court.

 

Add to that the loss of business from the consequetial bad publicity....

 

 

I know from experience that small debts of say £500 or less rarely end up with a CCJ, because it simply costs the creditors more than it is worth to pursue it. I think the same applies in the case of banks refunding us, seemingly (from what I have read on this site), without putting up too much of a fight.

 

I thought that the case would have to be held in the High Court or something before a precident, banks have taken it as far as court already and lost...

 

As for CCJ's I know many people (including myself) that have had got CCJ's for less than £500 so I'm not sure where you're coming from with that one!

Ex CAG helper ^_^

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I don't mean a legal precident as such, but a precident in the way that if they lost a few cases in the small claims court and this was highly publiceised (as it would be), it might open the floodgates.

 

Re. CCJ's, it's my experience that most firms just don't bother fighting smaller amounts in court especially if you threaten them with a possible counterclaim. This is of course just my own experience, but I suspect many of those who have received CCJs for small amounts didn't fight back too hard before it got to court, though I admit I'm guessing here.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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